Are title loans legal in Nebraska? No. The Nebraska Installment Loan and Sales Act (Neb. Rev. Stat. 45-334 to 45-380 (45-336 license required) caps the cost of a loan secured by a vehicle title (Installment loan licensees: 24% per annum on unpaid principal of $1,000 or less and 21% per annum on the remainder (45-349(1)); default charge up to 5% of an installment 10+ days late and $15 bad-check charge (45-349(2)(d))). Loans Inc does not connect Nebraska residents with title lenders. This page explains what the law says, how to check a lender, and where Nebraska residents can turn instead.
Title loans in Nebraska at a glance
| Title loans available through Loans Inc | No |
|---|---|
| Legal status | No title-loan statute; consumer-loan rate cap applies |
| Governing law | Nebraska Installment Loan and Sales Act, Neb. Rev. Stat. 45-334 to 45-380 (45-336 license required |
| Rate cap | Installment loan licensees: 24% per annum on unpaid principal of $1,000 or less and 21% per annum on the remainder (45-349(1)); default charge up to 5% of an installment 10+ days late and $15 bad-check charge (45-349(2)(d)) |
| Regulator | Nebraska Department of Banking and Finance |
| Last reviewed | 15 September 2026 |
Checked against the primary sources listed at the end of this page on 15 September 2026.
Why title loans are not offered in Nebraska
The Nebraska Installment Loan and Sales Act (Neb. Rev. Stat. 45-334 to 45-380 (45-336 license required) caps the cost of a loan secured by a vehicle title (Installment loan licensees: 24% per annum on unpaid principal of $1,000 or less and 21% per annum on the remainder (45-349(1)); default charge up to 5% of an installment 10+ days late and $15 bad-check charge (45-349(2)(d))).
Installment loan licensees: 24% per annum on unpaid principal of $1,000 or less and 21% per annum on the remainder (45-349(1)); default charge up to 5% of an installment 10+ days late and $15 bad-check charge (45-349(2)(d)); delayed deposit (payday) transactions: APR not greater than 36%, violation renders the transaction void (45-918(1), Initiative Law 2020, No. 428). No statute authorizes a higher rate for loans secured by a vehicle title.
The operative language in the statute reads: “charges at a rate not exceeding twenty-four percent per annum on that part of the unpaid principal balance on any loan not in excess of one thousand dollars”
Recent change: Laws 2025, LB474 recodified the Installment Loan Act as the Nebraska Installment Loan and Sales Act at 45-334 to 45-380, operative October 1, 2025 (former 45-1024 shown as repealed); 45-349 was further amended by Laws 2026, LB717, s. 30, operative February 26, 2026, with the 24%/21% rate unchanged.
Separately, federal law caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents on most consumer credit, including title loans (Military Lending Act, 32 CFR Part 232).
What Nebraska residents can do instead
Before you borrow against your car, compare lower-cost options available to Nebraska residents. Federal credit unions can offer payday alternative loans with capped rates; use the NCUA credit union locator to find one near you. Dial 211 or visit 211.org for local emergency assistance programs. Nonprofit counselors listed by the National Foundation for Credit Counseling can help with a repayment plan. Our guide to title loan alternatives compares each option and when it costs less.
How to check a lender or file a complaint in Nebraska
Consumer lenders in Nebraska are supervised by the Nebraska Department of Banking and Finance. You can check whether a lender holds a current license through the regulator’s license lookup. Complaints about a lender go to the regulator and can also be filed with the Consumer Financial Protection Bureau.
A lender that offers Nebraska residents a title loan at a cost above what state law allows may be operating unlawfully. A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit.
Frequently asked questions
Are title loans legal in Nebraska?
No. The Nebraska Installment Loan and Sales Act (Neb. Rev. Stat. 45-334 to 45-380 (45-336 license required) caps the cost of a loan secured by a vehicle title (Installment loan licensees: 24% per annum on unpaid principal of $1,000 or less and 21% per annum on the remainder (45-349(1)); default charge up to 5% of an installment 10+ days late and $15 bad-check charge (45-349(2)(d))).
Can I get a title loan online in Nebraska from an out-of-state lender?
Nebraska law applies to loans made to Nebraska residents. A lender offering a title loan to a Nebraska resident at a cost above the state limit may be operating unlawfully; check the lender with the Nebraska Department of Banking and Finance before you sign.
What can I do instead of a title loan in Nebraska?
Credit union loans, payday alternative loans, local assistance programs reached through 211, and nonprofit credit counseling are usually cheaper. See our guide to title loan alternatives.
Does Loans Inc make loans in Nebraska?
Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms. We do not connect Nebraska residents with title lenders.
Sources
- Nebraska Installment Loan and Sales Act, Neb. Rev. Stat. 45-334 to 45-380 (45-336 license required. Accessed 15 September 2026.
- Nebraska Department of Banking and Finance. Accessed 15 September 2026.
- Nebraska license lookup. Accessed 15 September 2026.
- nebraskalegislature.gov/laws/statutes.php?statute=45-353. Accessed 15 September 2026.
- nebraskalegislature.gov/laws/statutes.php?statute=45-918. Accessed 15 September 2026.
- nebraskalegislature.gov/laws/statutes.php?statute=45-1024. Accessed 15 September 2026.
- Military Lending Act regulation, 32 CFR Part 232 (eCFR). Accessed 15 September 2026.
- Consumer Financial Protection Bureau, submit a complaint. Accessed 15 September 2026.
- National Credit Union Administration, credit union locator. Accessed 15 September 2026.
- 211, local assistance programs. Accessed 15 September 2026.
- National Foundation for Credit Counseling. Accessed 15 September 2026.
Loans Inc is not a lender and does not make loans in any state. The information on this page is drawn from the sources listed below and is provided for general education. The lender you are matched with is responsible for complying with the laws of your state. Last reviewed 15 September 2026 by the Loans Inc Editorial Team. Next review due March 2027.
What to Know Before You Apply
- Who we are: Loans Inc is not a lender. We connect consumers with participating independent lenders. We do not make credit decisions, set rates, or determine loan terms.
- Vehicle risk: A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit.
- Cost: Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.
- Funding: Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender's approval, when you apply, document verification, and your bank's processing.
- Other options: Lower-cost options may be available. Compare them in our guide to title loan alternatives.
- Your information: When you apply, your application is sent to participating lenders. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator.
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